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Looking for a cash back credit card that allows you to customize your rewards? The U.S. Bank Cash+ Visa Signature Card might be the perfect card for you because it offers exactly that, and for a limited-time, cardholders can earn 0.5% more cash back on eligible purchases during their first year as a cardholder. Considering the U.S. Bank Cash+ Visa Signature Card is already a moneymaker, this is a pretty great deal. Want to learn more? Keep reading to learn all about everything this card offers.

What will you earn with this special offer?

For the first year, you’ll earn:

  • 5.5% cash back on two categories of your choice (up to $2,000 in eligible purchases each quarter, then it’s 1% back). These categories include ground transportation, select clothing stores, cell phones, movie theaters, bookstores, fitness centers and more.
  • 2.5% cash back on purchases made in one everyday category of your choice (e.g., gas, groceries or restaurants).
  • 1.5% cash back on all other purchases.

What else does the U.S. Bank Cash+ Visa Signature Card offer?

As noted above, the U.S. Bank Cash+ Visa Signature Card is quite the moneymaker. While the first year will earn you an extra 0.5% bonus all on eligible purchases, the card’s other perks and rewards are nothing to scoff at. Here’s what you can expect:

  • Earn a $100 intro bonus after spending $500 on purchases within the first 90 days of account opening — that’s a 20% bonus!
  • After the first year, you’ll earn 5% cash back on two categories you choose (up to $2,000 in combined eligible purchases each quarter, then it’s 1% back), 2% cash back on one of the everyday categories you choose (e.g., gas or groceries) and 1% on all other purchases.
  • Get a 12-month 0% intro APR on any balances transferred within 60 days from account opening (with a balance transfer fee of $5 or 3%, whichever is greater).
  • Pay no annual fee.
  • There’s no limit on the total cash back you can earn.
  • Earn a $25 cash bonus the first time you redeem $100 or more in a single redemption.
  • Redeem your cash back for statement credit or a deposit made to your U.S. Bank savings, checking or money market account, or redeem for a U.S. Bank Rewards Card ($20 minimum).

Does the U.S. Bank Cash+ Visa Signature Card have any downsides?

The U.S. Bank Cash+ Visa Signature Card is the first of its kind because it truly allows you to earn cash back on the purchases that best fit your lifestyle. That said, it may not be the best option for someone who’s planning to make a large purchase with their new card because it doesn’t offer a 0% intro APR on purchases, which means you’ll want to pay off the purchase immediately to avoid interest. Another thing to note about the U.S. Bank Cash+ Visa Signature Card is it requires excellent credit (usually considered a credit score of 750 or higher), which means if you’re someone with less-than-perfect credit, this probably isn’t the card for you.

If you’d prefer a card that offers cash back on everyday purchases, has a 0% intro APR on purchases and requires good to excellent credit for approval (usually a credit score of 700 or higher), check out the Bank of America Cash Rewards Credit Card. This card earns 3% cash back on gas, 2% back at wholesale clubs and grocery stores (up to $2,500/quarter in combined gas/wholesale club/grocery purchases, then it’s 1% back) and 1% cash back on all other purchases. Cardholders will pay no annual fee and receive a $150 online bonus after spending $500 on purchases in the first 90 days. Although you will not receive the same earning flexibility you’ll get with the U.S. Bank Cash+ Visa Signature Card, the Bank of America Cash Rewards Credit Card does offer a 15-month 0% intro APR on purchases and any balance transfers made within the first 60 days (note there’s a balance transfer fee of $10 or 3% of the transfer, whichever is greater).

Should I apply for the U.S. Bank Cash+ Visa Signature Card?

If you want a card that allows you to determine which purchases earn you cash back, the U.S. Bank Cash+ Visa Signature Card is a great card for you. The limited-time offer makes it a perfect time to get the card, as an additional 0.5% of your purchases can really add up, but make sure you meet the excellent credit requirement before you apply.

Visit our U.S. Bank Cash+ Visa Signature Card review to learn more about this card and apply online.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.